Mobile Home Insurance in Irving, TX
Like traditional homes, mobile homes also face risks that require specific insurance coverage. Securing insurance for your mobile home is essential to protect it financially against unforeseen events. Without this policy, you might have to cover repair and replacement costs out of your own pocket.
Why Is Mobile Home Insurance Important? 
Unlike traditional houses, mobile homes have distinct structural features and are often exposed to risks such as weather-related damage and transportation hazards. A mobile home insurance policy may cover these specific risks.
What Does Mobile Home Insurance Cover?
Mobile home insurance policies may provide financial assistance in case of damage or loss after certain events, including the following:
- Fire
- Hailstorm
- Hurricanes and tornadoes
- Theft
- Vandalism
Standard mobile home insurance policies generally include the following types of coverage:
- Dwelling coverage may cover the structure of your mobile home and other attached structures (e.g., deck or awning).
- Personal belongings coverage may cover your belongings (e.g., clothes and electronics) inside and outside your mobile home, up to policy limits.
- Liability coverage may cover your financial responsibility if you’re found liable for a third-party injury or property damage.
- Other structures coverage may cover detached buildings on your property, including fences, garages and sheds.
- Additional living expenses coverage may cover hotel bills, meals and other related living expenses if you must vacate your mobile home due to a covered event.
How Much Does Mobile Home Insurance Cost?
Several factors impact mobile home insurance rates, including the age of your mobile home, its location and your chosen coverage limits. It’s recommended to compare quotes from different insurers to find a policy that offers the best balance of coverage and cost.
We’re Here to Help
Oasis Insurance Agency, Inc. is committed to providing optimal solutions for mobile homeowners. Our expertise can help you get the best insurance coverage. Contact us today.